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How it works
Review
We analyze your statements for free.
Restructure
We negotiate directly with your processor.
Monitor
We protect your savings with monthly audits.
What is a Merchant Consultant?
Find out exactly what merchant consultants actually do.
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Industries We Serve
Automotive
Dealerships, repair shops, suppliers, and more.
Healthcare
Medical practices, dental offices, clinics, and surgeons.
Hospitality
From boutique properties to large-scale resorts and hotel chains.
Others
High Risk Processing, Property Management, International Businesses.
E-commerce
Online retailers and wholesalers.
Non profit
Charities, foundations, and 501(c) organizations.
Food & Beverage
Restaurants, bars, cafes, and franchises.
Government / Municipality
City Offices, County Services, Public Works, Building Departments.
Retail
Department Stores, Specialty Shops, Jewelry Stores.
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Book Consultation
Credit Card Processing
How Your Business Type Affects Merchant Services Fees
February 5, 2026
On the surface, I think we can agree that every business should not be paying the same rate on credit…
True Costs of Per-Item & Per-Transaction Fees for Merchants
February 3, 2026
Most payment processors mark up every credit and debit card sale with two components: When combined, you're paying 0.15% +…
Shift4 Payments: Rate Increases, Fees, and Updates (2026)
January 29, 2026
Here at Merchant Cost Consulting, we’re always staying up to date with the latest updates, fees, and rate increases from…
Network Security & Compliance Merchant Fee: Legit or Junk?
January 26, 2026
If you’ve spotted a Network Security & Compliance Fee on your monthly merchant statement, it’s normal to question it and…
How to Evaluate Credit Card Processors: 8 Factors
January 23, 2026
The vast majority of all payment processors on the market offer the same core capabilities. Some may have slightly “better”…
What’s Hiding in “Other Fees” on Merchant Statements
January 21, 2026
Monthly merchant processing statements are notoriously difficult to read. And while every processor has their own unique reporting format, it’s…
Annual Merchant Fee Increases Cost More Than You Think
January 20, 2026
Nothing stays the same price forever. And credit card processing fees are no exception. So when your processor sends you…
8 Global Payments Merchant Fees to Watch Out For
January 15, 2026
If you’re using Global Payments to process credit cards for your business, then you need to monitor your statements closely…
How Processing Volume Impacts Merchant Discount Rates
January 12, 2026
The amount of money your business accepts via credit card payments can directly influence how much you pay in processing…
Shift4 Regulatory Assurance Fee (RAF) Breakdown
January 7, 2026
Merchants using Shift4 have been contacting me non-stop the first week of the new year, questioning a new Regulatory Assurance…
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